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Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Conventional Mortgage Lenders in Flagstaff
Updated February 6, 2026
Market Overview
28
Total Lenders
988
Total Loans
0.28%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Sound | $937 | -0.025% | 14 | |
2 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,626 | -0.363% | 12 | |
3 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $61 | -0.012% | 23 | |
4 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Sound | $371 | -0.497% | 10 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,920 | +0.160% | 206 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,644 | +0.176% | 172 | |
7 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $3,858 | +0.578% | 53 | |
8 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $1,812 | +0.159% | 14 | |
9 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,010 | +0.526% | 77 | |
10 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,207 | +0.575% | 41 | |
11 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $1,374 | +0.114% | 17 | |
12 | Zions Bancorporation, N.A. | Strong | Strong | Strong | Sound | Sound | $2,299 | +0.150% | 15 | |
13 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,871 | +0.424% | 49 | |
14 | INTERCAP LENDING INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,948 | +0.199% | 38 | |
15 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $2,063 | +0.368% | 20 | |
16 | SUN AMERICAN MORTGAGE COMPANY | Strong | Sound | Strong | Strong | Sound | $1,691 | +0.382% | 11 | |
17 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $3,986 | +0.479% | 25 | |
18 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $1,483 | +0.310% | 21 | |
19 | NOVA FINANCIAL & INVESTMENT CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $3,656 | +0.342% | 18 | |
20 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Sound | $3,852 | +0.194% | 12 | |
21 | Bell Bank | Strong | Acceptable | Exceptional | Strong | Sound | $3,010 | +0.754% | 10 | |
22 | OneAZ Credit Union | Strong | Acceptable | Strong | Sound | Strong | $847 | +0.073% | 37 | |
23 | MORIA DEVELOPMENT, INC. | Sound | Mediocre | Strong | Strong | Strong | $5,422 | +0.838% | 27 | |
24 | STARBOARD FINANCIAL MANAGEMENT, LLC | Sound | Acceptable | Sound | Sound | Strong | $3,283 | +0.380% | 18 | |
25 | Wallick & Volk, Inc. | Sound | Mediocre | Strong | Strong | Sound | $4,759 | +0.662% | 14 | |
26 | GENEVA FINANCIAL, LLC | Sound | Mediocre | Strong | Strong | Sound | $5,032 | +0.869% | 11 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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Flagstaff, AZConventional
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